Which card has the lower annual fee?

KBank X has the lowest annual fee at ฿599.

Which card earns more on moderate spend?

KBank X leads with an estimated ฿7,491/yr net annual value on moderate spend.

Which card has the lower income requirement?

KBank X lists a minimum monthly income of ฿15,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

HSBC Advance Credit Card vs KBank X vs SCB Miles

Honest side-by-side comparison of HSBC Advance Credit Card, KBank X, SCB Miles — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

At a glance (moderate spend)

Quick verdict: On moderate spend, KBank X ranks first for estimated net annual value — ahead of SCB Miles by about ฿8,836/yr.

HSBC Advance Credit Card vs KBank X vs SCB Miles comparison table
Feature	HSBC Advance Credit Card HSBC	KBank X KBank	SCB Miles SCB
Annual fee	฿5,000	฿599	฿1,990
Min income (monthly)	฿45,000	฿15,000	฿25,000
Top reward rate	2%	Up to 10%	3 miles/฿25
Net annual value (moderate spend)	-฿2,330/yr	฿7,491/yr	-฿1,345/yr
Secured / FD-backed	No	No	No
Signup bonus	—	฿500	฿500

Frequently asked questions

Which card has the lower annual fee?: KBank X has the lowest annual fee at ฿599.
Which card earns more on moderate spend?: KBank X leads with an estimated ฿7,491/yr net annual value on moderate spend.
Which card has the lower income requirement?: KBank X lists a minimum monthly income of ฿15,000.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Change spend profile or swap cards — results update live below.

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Your adjusted comparison

Feature	HSBCPlatinum HSBC Advance Credit Card •••• •••• •••• 4242 Quick facts HSBC Advance Credit Card Top reward2% Annual fee฿5,000 Min income฿45,000/mo Tap to flip back HSBC Advance Credit Card HSBC	KBankGold KBank X •••• •••• •••• 4242 Quick facts KBank X Top rewardUp to 10% Annual fee฿599 Min income฿15,000/mo Tap to flip back KBank X KBank	SCBGold SCB Miles •••• •••• •••• 4242 Quick facts SCB Miles Top reward3 miles/฿25 Annual fee฿1,990 Min income฿25,000/mo Tap to flip back SCB Miles SCB
Annual fee	฿5,000	฿599	฿1,990
Min income	฿45,000	฿15,000	฿25,000
Top reward rate	2%	Up to 10%	3 miles/฿25
Net value (moderate)	-฿2,330/yr	฿7,491/yr	-฿1,345/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	฿500	฿500

HSBC Advance Credit Card details →KBank X details →SCB Miles details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC Advance Credit Card comparisons